Energy insurance

### Sahara Energy — Complete energy supply and insurance plan

Faizan, here is a complete plan covering all five energy supply categories: LPG, electricity and solar, hydrogen and industrial gases, petroleum fuels and additives, and batteries and energy storage. It includes the types of insurance to request in Saudi Arabia, the customers you can serve, and the key business requirements.

The insurance policies below are products to request quotations for, not a guarantee that every activity or product will be accepted by an insurer. For example, ordinary product-liability cover may exclude hazardous chemicals, pollution, or certain fuel-related risks unless specifically agreed.

### 1\. All five energy supply businesses


1\. LPG and household gas

Supply: LPG cylinders, approved regulators, gas hoses, and related safety equipment.

Customers: households, restaurants, hotels, and commercial kitchens.

Insurance to request: public and product liability, commercial property/fire, goods-in-transit, and employer liability where applicable.

Important: LPG distribution, storage, and cylinder filling require the relevant Saudi licences and approved safety arrangements.


2\. Electricity and renewable energy

Supply: solar panels, inverters, batteries, EV chargers, and permitted electricity-related services.

Customers: homes, shops, factories, warehouses, and commercial buildings.

Insurance to request: property all-risks, equipment breakdown, public liability, installation/construction insurance, and business interruption.

Important: Electricity generation, installation, and sale may require different permits depending on the activity.


3\. Hydrogen and industrial gases

Supply: approved industrial gas cylinders, hydrogen, nitrogen, oxygen, and other authorised industrial gases.

Customers: factories, laboratories, industrial contractors, and energy projects.

Insurance to request: specialist energy liability, public/product liability with explicit gas coverage, property/fire/explosion cover, cargo, and environmental liability where available.

Important: Hydrogen and compressed gases require specialised handling, transport, storage, and regulatory approvals.


4\. Petroleum fuels, catalysts, and additives

Supply: permitted fuel products, refinery catalysts, zeolites, fuel additives, and industrial process chemicals.

Customers: refineries, petrochemical plants, industrial distributors, workshops, and fleet operators.

Insurance to request: specialist energy/property cover, product liability, pollution liability, marine cargo, inland transit, and business interruption.

Important: Request explicit coverage for the actual chemical classifications, storage quantities, fire/explosion exposure, and environmental risks. Do not assume ordinary product insurance covers them.


5\. Batteries and energy storage

Supply: lithium-ion batteries, stationary battery systems, backup power, battery management systems, and approved energy storage equipment.

Customers: homes, telecom facilities, warehouses, solar installers, and factories.

Insurance to request: product liability, property/fire, equipment breakdown, goods-in-transit, and business interruption.

Important: Confirm battery-fire exclusions, thermal-runaway coverage, dangerous-goods transport conditions, and any required UN 38.3 test documentation for lithium batteries.

### 2\. Insurance package to request for all five supplies

| Insurance policy                         | What it protects                                                   |

| ---------------------------------------- | ------------------------------------------------------------------ |

| Public liability                         | Certain injury or property-damage claims from third parties        |

| Product liability                        | Certain claims caused by supplied products                         |

| Property and fire                        | Eligible stock, warehouse, and business assets                     |

| Energy project insurance                 | Eligible oil, gas, power, and energy project risks                 |

| Marine cargo                             | Goods during covered sea, air, or international transport          |

| Inland transit                           | Goods during covered road transport                                |

| Machinery breakdown                      | Covered equipment breakdown                                        |

| Business interruption                    | Eligible lost income after an insured interruption                 |

| Environmental liability                  | Covered pollution and environmental claims, if available           |

| Workers’ compensation/employer liability | Eligible employee injury and employer liability                    |

| Trade credit                             | Eligible customer non-payment                                      |

| Cyber insurance                          | Covered cyber incidents affecting your ordering and supply systems |

These are established commercial insurance categories offered in Saudi Arabia, although availability and exclusions depend on the insurer and activity.

### 3\. Where to request quotations in Al-Khobar


Marsh Arabia Insurance Brokers

Al Yarmouk, Al-Khobar

Phone: +966 13 896 9655

Ask for a commercial energy, cargo, and liability insurance programme.


Saudi Brokers Company

Al Aqrabiyah, Al-Khobar

Phone: +966 9200 06353

Ask for comparisons across liability, property, cargo, and engineering cover.


Chubb Arabia Cooperative Insurance

Khobar Business Gate

Phone: +966 800 116 0038

Ask which commercial liability and cargo policies can cover your exact products.

Other options: Concord Insurance Brokerage and Al Asalah Insurance Broker.

### 4\. Message to send an insurance broker

Dear Insurance Team,

I am planning to establish Sahara Energy as an energy products and equipment supply business in Saudi Arabia.

Our proposed supply categories are:

1. LPG and household gas products

2. Electricity, solar systems, inverters, and EV charging equipment

3. Hydrogen and industrial gases

4. Petroleum products, refinery catalysts, zeolites, and fuel additives

5. Batteries and energy storage systems

Please provide a quotation for the appropriate commercial insurance programme, including public and product liability, property and fire, energy project insurance, marine cargo and inland transit, equipment breakdown, business interruption, environmental liability, employee protection, and trade credit insurance where available.

Please specify the premium, coverage limits, deductibles, exclusions, required licences, and any special conditions for hazardous materials, flammable gases, chemicals, and lithium batteries.

Please also advise which activities require mandatory insurance under Saudi regulations.

Kind regards,

Faizan Imran

Proposed business: Sahara Energy

Al-Khobar, Eastern Province, Saudi Arabia

### 5\. Saudi licensing: do this before purchasing stock

Saudi Arabia's Energy Supplies Law specifically regulates activities involving natural gas, its liquids, and hydrogen, including relevant transport, storage, distribution, import, export, and sale activities. Certain activities require Ministry of Energy licences and civil-liability insurance.

Start with the [Saudi Ministry of Energy](https://www.moenergy.gov.sa/en?utm_source=chatgpt.com) and obtain quotations from a licensed insurer or broker before committing to a warehouse or hazardous-material inventory.

My recommendation: Request one coordinated insurance programme covering all five categories, but expect the insurer to assess each activity separately. You can begin by supplying approved solar equipment, batteries, or non-hazardous industrial products while you investigate the additional licensing and insurance requirements for LPG, hydrogen, fuels, and hazardous chemicals.

Dear Insurance Team,

I am planning to establish Sahara Energy as an energy products and equipment supply business in Saudi Arabia.

Our proposed supply categories are:

1. LPG and household gas products
2. Electricity, solar systems, inverters, and EV charging equipment
3. Hydrogen and industrial gases
4. Petroleum products, refinery catalysts, zeolites, and fuel additives
5. Batteries and energy storage systems

Please provide a quotation for the appropriate commercial insurance programme, including public and product liability, property and fire, energy project insurance, marine cargo and inland transit, equipment breakdown, business interruption, environmental liability, employee protection, and trade credit insurance where available.

Please specify the premium, coverage limits, deductibles, exclusions, required licences, and any special conditions for hazardous materials, flammable gases, chemicals, and lithium batteries.

Please also advise which activities require mandatory insurance under Saudi regulations.

Kind regards,
Faizan Imran
Proposed business: Sahara Energy
Al-Khobar, Eastern Province, Saudi Arabia